Meeting Details

The 17th Annual General Meeting was held on Friday, August 4, 2026 at 11:00 A.M. through video conferencing/other audio-visual means. The meeting was chaired by Mr. M Anandan, Executive Chairman, from Chennai. The meeting concluded at 11:45 A.M. after being open for 15 minutes for e-voting.

Attendance

Directors Present:

  • Mr. M Anandan - Executive Chairman
  • Mr. Anand Raghavan - Independent Director, Chairman-Audit Committee, Chairman-Nomination & Remuneration Committee
  • Mr. Natarajan Ramasubramanian - Independent Director, Chairman of Stakeholder Relationship Committee
  • Mr. N.V. Subba Rao - Independent Director
  • Mr. P. Balaji - Managing Director

Other Attendees:

  • Mr. Sanjay Mittal - Chief Financial Officer
  • Authorized Representative of M/s. Sundaram & Srinivasan, Chartered Accountants (Statutory Auditors)
  • Authorized Representative of M/s. S Sandeep & Associates (Secretarial Auditors)
  • Scrutinizer for the Meeting

Absent Directors: Ms. Mona Kachhwaha and Mr. Mukul Mathur due to business exigency.

Voting Details

Remote e-voting facility was provided to members from August 01, 2026 to August 03, 2026. Members who had not cast votes through remote e-voting were given 15 minutes post-AGM to vote through the NSDL platform.

Financial Performance Highlights (FY 2025-26)

Business Metrics:

  • AUM grew 21% year-on-year to ₹13,107 crores
  • Disbursements grew 11% to ₹4,009 crores
  • Profit for the year grew 26% to ₹943 crores
  • Dividend declared: ₹4.50 per share

Asset Quality:

  • GNPA: 1.52%
  • Net NPA: 1.15%
  • Credit cost: 50 basis points (within guided range)

Profitability Ratios:

  • Return on Assets: 7.9%
  • Return on Equity: 20.1%

Operational Metrics:

  • Branch network: 339 branches (65-70 more planned in FY27)
  • Borrowing mix: ₹7,874 crores (well-diversified)
  • Digital adoption: 92% of loan agreements executed digitally, 94% of collections through digital channels
  • Workforce: Over 3,800 employees
  • Net worth: ₹5,060 crores
  • CRAR: 71%

Resolutions Approved

The following items from the notice dated May 06, 2026 were transacted:

1. Ordinary Resolution: Adoption of standalone/consolidated audited financial statements for the financial year ended March 31, 2026

2. Special Resolution: Re-appointment of Ms. Mona Kachhwaha (DIN:01856801) as an Independent Director

3. Special Resolution: Fixing of Borrowing Limits

4. Special Resolution: Creation of Charge/Mortgage on Assets

5. Special Resolution: Offer/invitation to subscribe to Non-Convertible Debentures on private placement basis

6. Special Resolution: Approval of 'Aptus Value Housing Finance India Limited - Employee Stock Option Plan 2026' (Aptus ESOP 2026)

7. Special Resolution: Approval of grant of employee stock options to employees of subsidiary company under Aptus ESOP 2026

Strategic Outlook

Management highlighted four strategic pillars driving growth: diversified business mix focused on self-employed customers in Tier 3 and Tier 4 towns, geographical expansion into Maharashtra and Odisha, productivity through data-led processes, and digital excellence across sourcing, underwriting and collections. The company targets sustainable AUM growth of 22-24% going forward.

Additional Information

The information is available on the company website at www.aptusindia.com/stock-exchange-intimation/. The company was recognized as one of The Hindu Best Places to Work 2026.